20 Cedar Ave, Towson, MD 21286 Property Records

Baltimore County property record for 20 Cedar Ave, Towson, MD 21286

Property Summary

Property Type	Single Family Home
Details	4 ba · 1,847 sqft · built 1913
Lot Size	0.171 acres (7,488 sqft)
Owner	Individual Name on Record
Last Sale	$730,000 (Dec 2025)
Tax Bill	$6,960 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2021 Mortgage + 2 more
APN	`09-0908011590`

Property Details

APN / Parcel Number

Primary APN	`09-0908011590`
Alternative APNs	`90908011590` `0908011590`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,847 sqft Total Area
1st Floor Area	951 sqft
Attic Area	400 sqft
Basement Area	500 sqft
Finished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1913
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,488 sqft (0.171 acres)
Lot Width	53 ft Width
Porch	Open Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Account Number	0908011590
Old Parcel Number	90908011590
Street Address	20 CEDAR AVE
City	TOWSON
State	MD
Zip	21286-7843
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20 CEDAR AVE WS SW COR THOMAS AV
Legal Subdivision	SW COR THOMAS AV
Legal Lot Number	S
Jurisdiction	BALTIMORE MD
Township / Civil Division	9
Census Block Group	2
Census Block	2011
Census Tract	490800

Owner

Source: Baltimore County records, as of December 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	20 CEDAR AVE, TOWSON, MD 21286-7843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Unknown BANK OF AMERICA NA
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Dec 8, 2025	Deed, Transfer · Closed-End Mortgage CMG MORTGAGE INC
Nov 9, 2018	Grant Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Prior Sale	Nov 9, 2018 · Amount on Record
Deed Document Number	0050775201
Deed Book / Page	50775 / 201
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	20 CEDAR AVE, TOWSON, MD 21286-7843
Transaction Type	Mortgage
Record Updated	Dec 19, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CEDAR AVE, TOWSON, MD 21286-7843

Mortgage

Document Number	0475690001
Date	Nov 29, 2022
Book Page	47569/1

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Unknown
Amount	Amount Recorded
Term	357 Months
Due	Aug 15, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALTIMORE MD
Property Address	20 CEDAR AVE, TOWSON, MD 21286-7843
Transaction Type	Mortgage
Record Updated	Dec 19, 2025
Title Company	LAWYERS TRUST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0440930046
Date	Feb 11, 2021
Book Page	44093/46

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BALTIMORE MD
Recording Date	Dec 8, 2025
Property Address	20 CEDAR AVE, TOWSON, MD 21286-7843
Document Number	0507750201
Book / Page	50775 / 201
Instrument Date	Oct 29, 2025
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	SAGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 CEDAR AVE, TOWSON, MD 21286-7843

Mortgage

Document Number	0050775209
Date	Dec 8, 2025
Instrument	50775/209

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2055

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BALTIMORE MD
Recording Date	Nov 9, 2018
Property Address	20 CEDAR AVE, TOWSON, MD 21286-7843
Document Number	0408610141
Book / Page	040861 / 000141
Instrument Date	Oct 30, 2018
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	LAWYERS TRUST TITLE COMPANY, LAWYERS TR TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	20 CEDAR AVE TOWSON MD 212867843, TOWSON, MD 21286-7843

Mortgage

Document Number	408610146
Date	Nov 9, 2018
Book Page	040861/000146

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

Source: Baltimore County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Baltimore County
Unified School District	Baltimore County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,960.00 (+128.2%) Homeowner's exemption	$483,900 (+13.65%) Land $99,200 Building $384,700	$483,900 (-) Land $99,200 Building $384,700
2023	$3,050.00 Homeowner's exemption	$425,767	$483,900 Land $99,200 Building $384,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BALTIMORE serves 1,600,000 people · EPA ID MD0300002
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Sep 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
Believe Broadband Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BridgeMAXX Suncoast Broadband.

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